- Payday loans in Montclair follow California law (California Deferred Deposit Transaction Law).
- Borrowing $300 at the state maximum costs $45 fee on a $300 check, so you receive $255.
- 1 credit union is headquartered in Montclair; ask about small-dollar loans before borrowing.
Montclair at a glance
| Montclair | |
|---|---|
| Population (2024 Census estimate) | 37,650 |
| Change since 2020 | -0.8% (holding steady) |
| County | San Bernardino County |
| Size rank among 480 California places we cover | 213th |
| Nearest larger city | Pomona (about 4 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in San Bernardino County | 12 |
| Other towns within 25 miles | 59 (about 4,458,613 residents) |
| Typical payday APR statewide (CRL 2023) | 460% |
Whether you borrow at a storefront in Pomona or online from Montclair, the lender must hold a California license from the California Department of Financial Protection and Innovation (DFPI) and follow state limits.
Credit unions in Montclair
These credit unions have their main office in Montclair, according to NCUA call report data (June 2026):
- Interfaith Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Montclair
Key California limits that apply to Montclair borrowers: maximum check: $300 (so the most you can receive is $255); maximum fee: 15% of the check amount ($45 on $300); loan term: up to 31 days. See the full California payday loan rules.
What a $300 loan costs in Montclair
The Center for Responsible Lending put the typical APR on a $400 payday loan in California at 460% (June 2023). For $300 at the state maximum, expect $45 fee on a $300 check, so you receive $255. Check any offer with our payday loan calculator.
Other help in San Bernardino County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Montclair that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Montclair
The nearest larger city is Pomona, about 4 miles away. See all 480 California cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Montclair?
Yes. Payday loans are legal in Montclair under California state law, and lenders must be licensed by the California Department of Financial Protection and Innovation (DFPI).
How much does a payday loan cost in Montclair?
At California’s maximum fee, borrowing $300 costs $45 fee on a $300 check, so you receive $255. The typical statewide APR was 460% in 2023.
Are there credit unions in Montclair?
Yes. NCUA data lists 1 credit union with a main office in Montclair, including Interfaith Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- California DFPI — Deferred Deposit Transaction Law report
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary